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FirstCash Holdings, Inc.（FCFS）与Palomar Holdings, Inc.（PLMR）财务数据对比。点击上方公司名可切换其他公司
FirstCash Holdings, Inc.的季度营收约是Palomar Holdings, Inc.的2.0倍（$501.3M vs $253.4M），Palomar Holdings, Inc.同比增速更快（62.7% vs 21.2%），过去两年Palomar Holdings, Inc.的营收复合增速更高（46.2% vs 16.9%）
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
Palomar Holdings, Inc.是一家专业保险控股企业，主要为存在巨灾风险敞口的住宅及商业资产提供财产保险产品，业务范围覆盖美国全境，核心业务板块包含地震、洪水、风暴等高危财产保障服务。
FCFS vs PLMR — 直观对比
营收规模更大
FCFS
是对方的2.0倍
$253.4M
营收增速更快
PLMR
高出41.5%
21.2%
两年增速更快
PLMR
近两年复合增速
16.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $501.3M | $253.4M |
| 净利润 | $104.2M | — |
| 毛利率 | — | — |
| 营业利润率 | 28.5% | 28.7% |
| 净利率 | 20.8% | — |
| 营收同比 | 21.2% | 62.7% |
| 净利润同比 | 24.7% | — |
| 每股收益（稀释后） | $2.35 | $2.05 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收FCFSPLMR
| Q4 25 | $501.3M | $253.4M | ||
| Q3 25 | $411.0M | $244.7M | ||
| Q2 25 | $385.1M | $203.3M | ||
| Q1 25 | $371.1M | $174.6M | ||
| Q4 24 | $413.7M | $155.8M | ||
| Q3 24 | $363.1M | $148.5M | ||
| Q2 24 | $363.5M | $131.1M | ||
| Q1 24 | $366.8M | $118.5M |
净利润FCFSPLMR
| Q4 25 | $104.2M | — | ||
| Q3 25 | $82.8M | $51.5M | ||
| Q2 25 | $59.8M | $46.5M | ||
| Q1 25 | $83.6M | $42.9M | ||
| Q4 24 | $83.5M | — | ||
| Q3 24 | $64.8M | $30.5M | ||
| Q2 24 | $49.1M | $25.7M | ||
| Q1 24 | $61.4M | $26.4M |
营业利润率FCFSPLMR
| Q4 25 | 28.5% | 28.7% | ||
| Q3 25 | 27.4% | 27.4% | ||
| Q2 25 | 21.1% | 29.5% | ||
| Q1 25 | 30.0% | 30.8% | ||
| Q4 24 | 26.5% | 28.9% | ||
| Q3 24 | 23.5% | 25.9% | ||
| Q2 24 | 18.2% | 25.5% | ||
| Q1 24 | 22.3% | 29.0% |
净利率FCFSPLMR
| Q4 25 | 20.8% | — | ||
| Q3 25 | 20.1% | 21.0% | ||
| Q2 25 | 15.5% | 22.9% | ||
| Q1 25 | 22.5% | 24.6% | ||
| Q4 24 | 20.2% | — | ||
| Q3 24 | 17.9% | 20.5% | ||
| Q2 24 | 13.5% | 19.6% | ||
| Q1 24 | 16.7% | 22.3% |
每股收益（稀释后）FCFSPLMR
| Q4 25 | $2.35 | $2.05 | ||
| Q3 25 | $1.86 | $1.87 | ||
| Q2 25 | $1.34 | $1.68 | ||
| Q1 25 | $1.87 | $1.57 | ||
| Q4 24 | $1.86 | $1.29 | ||
| Q3 24 | $1.44 | $1.15 | ||
| Q2 24 | $1.08 | $1.00 | ||
| Q1 24 | $1.35 | $1.04 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $125.2M | $106.9M |
| 总债务越低越好 | $2.2B | — |
| 股东权益账面价值 | $2.3B | $942.7M |
| 总资产 | $5.3B | $3.1B |
| 负债/权益比越低杠杆越低 | 0.98× | — |
8季度趋势，按日历期对齐
现金及短期投资FCFSPLMR
| Q4 25 | $125.2M | $106.9M | ||
| Q3 25 | $130.2M | $111.7M | ||
| Q2 25 | $101.5M | $81.3M | ||
| Q1 25 | $146.0M | $119.3M | ||
| Q4 24 | $175.1M | $80.4M | ||
| Q3 24 | $106.3M | $86.5M | ||
| Q2 24 | $113.7M | $47.8M | ||
| Q1 24 | $135.1M | $61.4M |
总债务FCFSPLMR
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $1.7B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.7B | — | ||
| Q3 24 | $1.7B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.5B | — |
股东权益FCFSPLMR
| Q4 25 | $2.3B | $942.7M | ||
| Q3 25 | $2.2B | $878.1M | ||
| Q2 25 | $2.1B | $847.2M | ||
| Q1 25 | $2.1B | $790.4M | ||
| Q4 24 | $2.1B | $729.0M | ||
| Q3 24 | $2.0B | $703.3M | ||
| Q2 24 | $2.0B | $532.6M | ||
| Q1 24 | $2.0B | $501.7M |
总资产FCFSPLMR
| Q4 25 | $5.3B | $3.1B | ||
| Q3 25 | $5.2B | $2.9B | ||
| Q2 25 | $4.5B | $2.8B | ||
| Q1 25 | $4.4B | $2.4B | ||
| Q4 24 | $4.5B | $2.3B | ||
| Q3 24 | $4.4B | $2.3B | ||
| Q2 24 | $4.3B | $2.0B | ||
| Q1 24 | $4.2B | $1.9B |
负债/权益比FCFSPLMR
| Q4 25 | 0.98× | — | ||
| Q3 25 | 1.01× | — | ||
| Q2 25 | 0.79× | — | ||
| Q1 25 | 0.83× | — | ||
| Q4 24 | 0.85× | — | ||
| Q3 24 | 0.87× | — | ||
| Q2 24 | 0.85× | — | ||
| Q1 24 | 0.75× | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $206.6M | $409.1M |
| 自由现金流经营现金流 - 资本支出 | — | $409.0M |
| 自由现金流率自由现金流/营收 | — | 161.4% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 1.98× | — |
| 过去12个月自由现金流最近4个季度 | — | $700.6M |
8季度趋势，按日历期对齐
经营现金流FCFSPLMR
| Q4 25 | $206.6M | $409.1M | ||
| Q3 25 | $135.8M | $83.6M | ||
| Q2 25 | $116.9M | $120.9M | ||
| Q1 25 | $126.6M | $87.2M | ||
| Q4 24 | $198.1M | $261.2M | ||
| Q3 24 | $113.1M | $100.3M | ||
| Q2 24 | $106.2M | $55.1M | ||
| Q1 24 | $122.5M | $33.1M |
自由现金流FCFSPLMR
| Q4 25 | — | $409.0M | ||
| Q3 25 | — | $83.6M | ||
| Q2 25 | — | $120.8M | ||
| Q1 25 | — | $87.1M | ||
| Q4 24 | — | $260.9M | ||
| Q3 24 | — | $100.1M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
自由现金流率FCFSPLMR
| Q4 25 | — | 161.4% | ||
| Q3 25 | — | 34.2% | ||
| Q2 25 | — | 59.4% | ||
| Q1 25 | — | 49.9% | ||
| Q4 24 | — | 167.5% | ||
| Q3 24 | — | 67.4% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
资本支出强度FCFSPLMR
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 0.0% | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.1% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
现金转化率FCFSPLMR
| Q4 25 | 1.98× | — | ||
| Q3 25 | 1.64× | 1.63× | ||
| Q2 25 | 1.95× | 2.60× | ||
| Q1 25 | 1.51× | 2.03× | ||
| Q4 24 | 2.37× | — | ||
| Q3 24 | 1.74× | 3.29× | ||
| Q2 24 | 2.16× | 2.14× | ||
| Q1 24 | 2.00× | 1.26× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
PLMR
暂无分部数据
